🚀 go-pugleaf

AXemen99 the link you provided to a US site doesn't apply here.
Canadian banking isn't governed by US laws. The site refers to direct
payment cards which are only available here from credit unions (and
most of them don't know it) They look like a Mastercard but debit your
bank account, sort of like a secured credit card. They are VERY common
in the US and virtually unknown here.
Anyway, the preauth at the pump is standard for ALL credit card users
since pay at the pump came into being. If you have never noticed
you've never gotten close enough to your limit. If you know you are
close to the limit don't pay at the pump, pay inside. The $100 is
because they don't know you have a civic not an F150 and they want to
be covered regardless.
PC mastercard is issued by Mastercard and does not debit from your
bank acct. It allows charges up to your agreed credit limit. It is the
same as any of the other 50 or more branded mastercards as far as
using it goes.
hth